Polam Federal Credit Union

Overview / Commentary
589 N Larchmont Blvd
Los Angeles, CA 90004

Polam Federal Credit Union is headquartered in LOS ANGELES and is the 180th largest credit union in the state of California. It is also the 2,123rd largest credit union in the nation. It was established in 1969 and as of December of 2023, it had grown to 10 employees and 2,039 members at 2 locations. Polam Federal Credit Union's CD rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

POLAM Federal Credit Union is open to residents of Southern California who are family and friends, or supporting members of the Polish American Congress (supporting donation of $20 can be made at time of membership opening).
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Polam Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #19739
Year Chartered1969
Primary Regulator
Profit Margin
Return on Assets - YTD-0.41%
Return on Equity - YTD-4.54%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$72.6MM$68.2MM
LoansQ4 2023vs Q4 2022$36.7MM$35MM
DepositsQ4 2023vs Q4 2022$65.9MM$62.1MM
Equity CapitalQ4 2023vs Q4 2022$6.6MM$5.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$322K$333K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$6K$690K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Polam Federal Credit Union Savings Account Rates

0.30%$1k-IRA Account
0.05%$100-Savings Account

Polam Federal Credit Union Money Market Rates

0.65%*$75k*-Money Market Account
OTHER TIERS: 0.30% $2.5k - $25k | 0.40% $25k - $75k

Polam Federal Credit Union CD Rates

5.00%*$100k*-1 Year CD
OTHER TIERS: 1.50% $2.5k - $25k | 2.50% $25k - $50k | 4.00% $50k - $100k
5.00%*$100k*-Youth 1 Year CD
OTHER TIERS: 1.50% $500 - $25k | 2.50% $25k - $50k | 4.00% $50k - $100k
3.50%*$100k*-5 Year CD
OTHER TIERS: 1.75% $2.5k - $25k | 2.00% $25k - $50k | 3.00% $50k - $100k
3.50%*$100k*-Youth 5 Year CD
OTHER TIERS: 1.75% $500 - $25k | 2.00% $25k - $50k | 3.00% $50k - $100k
3.25%*$100k*-6 Month CD
OTHER TIERS: 1.00% $2.5k - $25k | 2.50% $25k - $50k | 2.75% $50k - $100k
3.25%*$100k*-2 Year CD
OTHER TIERS: 1.75% $2.5k - $25k | 2.25% $25k - $50k | 2.75% $50k - $100k
3.25%*$100k*-Youth 6 Month CD
OTHER TIERS: 1.00% $500 - $25k | 2.50% $25k - $50k | 2.75% $50k - $100k
3.25%*$100k*-Youth 2 Year CD
OTHER TIERS: 1.75% $500 - $25k | 2.25% $25k - $50k | 2.75% $50k - $100k
3.00%*$100k*-4 Year CD
OTHER TIERS: 1.50% $2.5k - $25k | 2.25% $25k - $50k | 2.50% $50k - $100k
3.00%*$100k*-Youth 4 Year CD
OTHER TIERS: 1.50% $500 - $25k | 2.25% $25k - $50k | 2.50% $50k - $100k
2.75%*$50k*-3 Year CD
OTHER TIERS: 1.50% $2.5k - $25k | 2.00% $25k - $50k
2.75%*$50k*-Youth 3 Year CD
OTHER TIERS: 1.50% $500 - $25k | 2.00% $25k - $50k

Polam Federal Credit Union Locations
Branch Office589 N LARCHMONT BLVDLOS ANGELES, CA 90004-1305
Branch Office1700 N TUSTIN STORANGE, CA 92865-4603

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